As if overnight, the commonly used magnetic strip bank card is not to be seen.
In fact, this is a misunderstanding. The IC card appeared five or six years ago. It is said that foreign countries have become popular. However, domestic applications are not widely used. The Central Bank issued a notice last year. However, the bank's movements are not large. The reasons for changing cards are also not explained in detail. Only through media interpretation can we know that IC cards are safer and will not be stolen by smart criminals, like magnetic stripe cards.
However, is changing the card the bank thing? Is the central bank only sending a notice to the bank? There are more than 2 billion bank cards in China, and the direct cost of an IC card is 20 to 30 yuan. How much did you have to spend in exchange for a few years?
It now appears that what the media are most worried about is that such huge costs will not be passed on to the customers of cardholders. Not only that, POS machines are not cheap either. According to media reports, the cost of ordinary POS machines is only four or five hundred yuan, and the cost of a credit card machine that supports chip cards is 3,000 yuan. Originally many merchants were not interested in POS machines due to cost issues. The cost of such expansion is expected to greatly affect the use of bank cards. Until now, only Guangzhou's POS machines can swipe IC cards.
In fact, the reason is very simple. Magnetic stripe cards or chip IC cards are all issued by banks. Banks have the responsibility to protect the security of their customers' cards. The cost should be borne by the bank, and at least a large part of the cost should be borne. It's just that it's easier said than done. The bank can count more and more. Everyone has felt it for years. Therefore, it is impossible for the central bank to issue such a notice. At least one of them must be added. Each bank has to bear the cost. Of course, the central bank may also consider taking out some money.
In addition to this, the trouble caused to customers must also be handled. Many people have more than one bank card in their hands. Are you going to the bank to line up? It is also a difficult job for a family to come in. To this end, the bank must design a convenient way to change the card. The notice should also give sufficient buffer period, rather than simply emphasize that when must be replaced.
Those who have got the IC card first may have problems with inconvenient use. It is also necessary to do a good job in advance. At present, some bank cards adopt a magnetic stripe and chip coexistence method, which is a good idea, but only for a long time, and the security advantages of the chip IC card are still not reflected. It should also be clear in this notice that the magnetic stripe chip dual card will sooner or later be replaced with a pure chip card.
Financial security is a long-standing problem. There was just an array of ATMs. Someone used a paper machine to paste a fake machine on the street and they could make money. Smart financial crimes are now advancing with the times. After a few years, the popularity of IC cards has increased, and the techniques cracked by offenders have increased. What should I do at that time? Do you change cards again? Toss it up. Increase the sense of responsibility of the bank, strictly manage the system, and actively pursue the investigation instead of pushing it. This is the most effective way to curb crime. Therefore, it is also necessary to add a sentence in the notice. If the chip IC card is replaced, the bank will take full responsibility.
Stainless Steel Nail File,Best Stainless Steel Nail File,Professional Metal Nail File,Trim Stainless Steel Nail File
SZ CHENGYANG BEAUTY TOOLS CO.,LTD , https://www.cyfootfile.com